The document discusses the rule of 72, which is a method for estimating an investment's doubling time. It states that the number 72 is divided by the annual interest rate to determine the approximate number of years it will take for an investment to double in value. Some examples are provided showing how long it would take investments with different interest rates like 8%, 3%, 5%, and 12% to double. It then proposes a strategy of investing in a fund with a 12% average annual return and periodically withdrawing half of the investment to provide consistent income over time by allowing the remaining half to continue doubling.

1. CONSISTENT
Cash savings and investment
INCOME FOREVER

2. Rule 72 (what is rule 72?)
• In finance, the rule of 72, is a
method for estimating an
investment's doubling time.
The number in the title is divided
by the interest percentage per
period to obtain the
approximate number of periods
(usually years) required for
doubling. Although scientific
calculators and spreadsheet
programs have functions to find
the accurate doubling time, the
rules are useful for mental
calculations and when only a
basic calculator is available.
(source; wikipedia)

3. Example;
ASB (assuming the rate of return is 8% per annum) 72/8 = 9 years
(the 100k is an example,
100k can be more or less) 200k 400k
0 (it takes 9 years to double 9 18
up the amount)
FD (assuming the rate of return is 3% per annum) 72/3 = 24 years
100k (the 100k is an example, can be more or less) 200k
0
(it takes 24 years to double
up the amount)
24

4. Example;
EPF (assuming the rate of return is 5% per annum) 72/5 = 14.4 years
(the 100k is an example,
100k can be more or less) 200k
(it takes 14 years to double
0 up the amount) 14
TH (assuming the rate of return for tabung 72/5 = 14.4 years
haji is 5% per annum)
(the 100k is an example,
100k can be more or less) 200k
(it takes 14 years to double
0 up the amount) 14

5. Public Mutual
PM (our target is 12% on average per annum) 72/12 = 6 years
100k 200k 400k 800k
0
(it takes 6 years to
double up the 6 12 18
amount)

6. Continue...
Base on the details from the previous slides, this is
what we will do to allow you to have a consistent
return forever;
PM (our target is 12% on average per annum) 72/12 = 6 years
400k 200k REPEA
200k out, 200k cont. REPEAT
Invest) T
0 6 12 18
After 6 years we are going to take out half of the amount to be
spend by you for the next 6 years. The other half will be left in public
mutual for it to double up again in the next 6 years.
We will continue this cycle to allow you to have the consistent return
forever.

7. REQUIRED DOCUMENTS
-PUBLIC MUTUAL NEW INVESTORS FORM
-PUBLIC MUTUAL CASH INVESTMENT FORMS
-CHEQUES WRITTEN TO PUBLIC MUTUAL BHD (2 CHEQUES 100K EACH)
-2 COPIES OF FUNDHOLDER’S IC